Feeling like it'll never get better

savingmummy

The reasons for these feelings are your on a rollercoaster quite literally.
You will have ups and downs! Completely natural and normal.

Your a brilliant mum and you certainly seem to be head strong which is what you need to be so you have the best start already towards fighting this.

Your doing all you can by cutting back and selling things - not many people will do that despite being up to their knees in problems.

Do you feel you need a bit of help regarding your feelings?
Do you think you have a bit of depression?

You have been through ALOT. Break up from relationship, new baby, keeping home, working, now money issues!! Maybe make an appointment to see your GP or a nurse and explain how your feeling, don`t be ashamed they deal with this everyday.

Sarah2490

Had a nice letter form the bank this morning saying they are charging me £25 for the 2nd dd that bounced . . . . I expected it but it still makes me mad :mad:

Hope I don't get another one for the first dd as I don't have £25 never mind £50!

yellowduck_2

Hi there I have always struggled with money due to being a single mum and I know how hard it is. My boy is grown up now but we are close as having been through tough times together and he has a good attitude to life which i think is in part due to not having been able to have all that he wanted. I know that this is of little consolation when you have had one of those horrid letters from the bank and money is so tight but you are a great mum by the sounds of it and your little girl is lucky to have you.

velrist

You can't get turned down for a basic bank account as there is legislation in place to make sure everyone is able to have banking facilities. If you're having problems then the Co-op's Cashminder account seems to be used by a fair few people on here.

Keep your chin up, it'll get sorted in the end.

Sarah2490

Thank you

I'm hoping to hear form the bank soon with details of my new account. Had another 2 letters today credit card missed payment and gas bill reminder. I have written to them both with goodwill payment/payment plan so don't feel too bad about them

Have been advised I might be able to get housing/council tax benefit, never needed these before so don't really know about them. Have sent off for an application form so I'll see how it goes, even if is only a few £ it all helps

Piggy_Bank_Raider

Hi Sarah, I know exactly how you feel, I keep having moments like this myself. I've had a DMP for the last 6 months but still keep getting hassled by creditors and can't even afford to replace my punctured tyre (hence pumping tyres before every little journey!) or pay my leccy bill. It's really hard when everyone else I know is spending money on nice things and I'm living on £1 M&S sandwiches every day! Still, it's swings and roundabouts I suppose and keep trying to look on the bright side.
Anyway, really just wanted to say I've got a Co Op cashminder account after being turned down by most other banks and I find it really good. There's always hope, keep your chin up.

misscousinitt

Didn't want to read and run...can't really offer any advice but ((((hugs))))) to you.

Take care and keep your chin up.

Norfolk_Jim

Do keep coming on this board though, the people here a very helpful and kind. On some of the other boards they are hearless cruel so-and so's who probably work as bailiffs and Debt Collectors!

Sarah2490

Thank you,

Sometime it just helps to get it all out of my head and share with people. Especial when you know the people are in the same ish boat and will always offer help if they can

alison999

I got a basic account with RBS. Idk if they did a vredit check but I have 2 CCJs and idk how many defaults - all has been fine with them so far